Purchase Credit Cards

Compare 0% Purchase Credit Cards for Large Purchases

Which purchase credit card providers do we work with?

We compare dozens of the biggest credit card providers in the country, including:

What Is a 0% Purchase Credit Card?

A purchase credit card enables you to purchase high-cost items upfront and then pay off the balance over a period of time agreed with the lender, often with 0% interest. Providing that you pay the balance in full by the end of this 0% period, the credit card will not cost you any additional fees. However, if you do not make payments on time, you will usually be charged just £12 and your 0% interest rate will be withdrawn and put onto a standard rate.

What Can I Buy With a Purchase Credit Card? 

Any items that run in the few hundreds or thousands of pounds can be put on a purchase credit card, giving you a bit longer to pay them off. Some providers include credit cards with air miles such as American Express, helping your spend go towards future flights or other travel benefits.

Common large purchases include:

  • Furniture e.g sofas, chairs, tables.
  • Electronics e.g TVs, speakers, computers.
  • Baby items e.g cots, prams, chairs.
  • Clothes e.g fashion, suits, shoes.
  • Home items e.g white goods, lamps, beds.
  • Gifts e.g jewellery, engagement rings, anniversary gifts.

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Why Is the Interest Rate on a Purchase Card Important?

Most purchase credit cards are 0% interest during the introductory period, meaning that you pay absolutely nothing for using the card, providing that you make the full repayment on time. However, once the introductory offer ends, you will be placed on the standard rate which can be higher – so keeping an eye on the interest rate is key.

Once the introductory offer ends, you can look at moving the debt onto a balance transfer credit card, which can also be 0% for a certain period.

Why Apply for a Purchase Credit Card With Proper Finance?


We aim to be as approachable as possible for our customers, and will always do our very best to assist you with any and all queries you may have concerning any part of our application process and more.

Fast decisions

Our online application only takes minutes to complete, with decisions being made very quickly after this. A member of staff will contact you to help you proceed with the final steps.

Reputable and trustworthy

Each and every one of the providers we work with are fully checked to ensure their reputability, their trustworthiness, and furthermore their competency in helping to provide you with the financial services you require.

Free online application

The Proper Finance comparison site is free to use and there are no upfront fees for filling in our online application.

What is considered to be a purchase?

This refers to any items paid for online or in a shop. For example: weekly food shopping, a holiday or a car.

What is not considered to be a purchase?

Cash withdrawals, transfer balances from another online store account, or deciding to pay for things abroad will incur interest.

Do I need to make monthly minimum repayments?

Yes, each month you will need to make a minimum repayment, but you will not be charged interest during the 0% period. If you do not make this monthly repayment, you will pay a fee of £12, and you could have the 0% deal revoked.

What happens if I cannot make repayments?

You should always contact your provider as soon as possible to discuss alternative arrangements. Failure to make payments can harm your credit score.

What is the credit limit?

This will be stated by the provider once you have applied and you have been approved for a card. The exact credit limit depends on your individual circumstances including your monthly income, other existing debts and credit history.

Can I change my credit limit?

Yes, you can request for your credit limit to be changed. Sometimes this will be an instant response or take a few days. Sometimes the credit card provider will recommend a credit limit increase for you.

How long does it take to receive the card?

It can take up to 10 days for the new card to arrive once you have been approved.

Is my credit file and record important?

Yes, lenders will use this information in order to determine your eligibility for the card, as well as the agreed credit limit and interest rate provided.

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